Humm (Formerly OxiPay)
Humm lets you spread the cost of your purchases over 5 fortnightly, or 10 weekly payments, making buying what you want that much easier.
Who can use Humm?
You can access Humm if you:
- Live in New Zealand
- Are at least 18 years old
- Have a valid and verifiable email address and a New Zealand mobile number
- Have a New Zealand Mastercard or Visa credit or debit card
- Have a New Zealand residential and shipping address
- Have a New Zealand drivers licence
How do I use Humm?
Simply select Humm as your payment method during the checkout process.
What does it cost to use Humm?
Nothing, as long as each of your payments reaches Humm by the due date.
What are the fees for late payment?
If your payments don’t reach Humm by the due date, they will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.
When are my fortnightly payments processed?
Your first payment is made when you make your purchase and will be 25% of the purchase price for any purchase under $1,000. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $250 plus the amount over $1,000. Each subsequent instalment is charged every fortnight after the purchase date.
For example:
Purchase Price
- $500.00
Humm Payment Schedule
- Instalment 1 - $100 due on 1 June (today)
- Instalment 2 - $100 due on 15 June
- Instalment 3 - $100 due on 29 June
- Instalment 4 - $100 due on 13 July
- Instalment 5 - $100 due on 27 July
When are my weekly payments processed?
Your first payment will be 12.5% of the purchase price for any purchase under $1,000. The first payment is charged at the time of the purchase. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $125 plus the amount over $1,000. Each subsequent instalment is charged every week after the purchase date.
For example:
Purchase Price
- $500.00
Humm Payment Schedule
- Instalment 1 - $50.00 due on 1 July (today)
- Instalment 2 - $50.00 due on 8 July
- Instalment 3 - $50.00 due on 15 July
- Instalment 4 - $50.00 due on 22 July
- Instalment 5 - $50.00 due on 29 July
- Instalment 6 - $50.00 due on 5 August
- Instalment 7 - $50.00 due on 12 August
- Instalment 8 - $50.00 due on 19 August
- Instalment 9 - $50.00 due on 26 August
- Instalment 10 - $50.00 due on 2 September
When is the weekly payment option not available for use?
When your purchase is under $40 or in-store, or at selected retailers in store where fortnightly payments will automatically be the default. If you would like to set weekly payments as your default option, please log into your Humm account and select ‘Weekly’ as your default payment preference.
*NOTE : HUMM is not available on certain products, so please check with us first if you are unsure.
What happens if I cannot make a payment?
The friendly Humm support team are available to help if you have any questions about your payments. You can reach their Help & Support page or call 0800 189 236.
If your payments don’t reach Humm by the due date, they will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.
Can I make additional payments or pay off my purchase earlier?
Absolutely. Humm charges no fees to make payments early. If you would like to do this, please log into your account and select ‘Pay Now’.
What if I want to return the goods I have purchased?
RC Hobbies will accept returns for an exchange or store credit We do not offer refunds when using Humm. You will need to continue to pay your remaining Humm instalments, and if you return an item, you will have a store credit or you are able to swap the item for something else of equal value. Our standard return conditions apply (new condition- unopened box etc).
Returns are at the discretion of RC Hobbies and must be agreed prior.
Is there a maximum purchase?
A single Humm purchase can be up to $1,500.
Is there a minimum purchase?
Our minimum purchase amount to use Humm is $100.
More information can be found by visiting the Humm website here : www.humm.co.nz